PF&M is designed to be used as a training tool as well as an easy-to-understand reference. Nearly all major commercial property, commercial casualty and personal lines sections include quizzes on the coverage analysis, underwriting, rating, and comparison articles along with a final exam at the end.
Quizzes are available in all of the following sections and many more:
AAIS Artisans
AAIS, ISO and MSO Businessowners
Building and Personal Property
Standard Property Policy
Time Element
AAIS Agricultural and Commercial Output Policies
Business Auto
Auto Dealers
Commercial Crime
AAIS and ISO Commercial General Liability
AAIS and ISO Commercial Liability Umbrella
Workers Compensation and Employers Liability
Equipment Breakdown Protection
ISO Standard Personal Auto
AAIS and ISO Homeowners
ISO Dwelling Fire
Health Care Professional Liability
Directors and Officers Liability
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The finance manager at First United Methodist Church started embezzling in 2008 but the crime wasn't discovered until December 2012. Philadelphia Indemnity was notified in January that a total of $200,000 had been taken. The church requested coverage under the 2011 and the 2012 policy terms for a total of $100,000 but Philadelphia offered only $50,000.
Employee theft once started often seems to become habitual. A small amount is taken and then, when the employee is not caught or stopped, an additional amount is taken. The taking continues until the employee is caught or leaves the company. The insurance company understands this and therefore attempts to limit its loss through conditions and definitions.
The 11 15 edition of the crime forms was remarkable in the limited number of changes introduced. However, to certain entities, these changes could be very important.
Employee dishonesty losses can devastate a business because often a highly trusted person in the organization is the embezzler. Adequate coverage limits can help your client recover and to move forward. The first step is talking about the real possibility of a loss.
